3Q 2022 Investor Presentation
Non-Performing Loans
The NPL ratio has improved by 60bps YoY
Non-Performing Loans, Gross (SARbn)
2.9
2.7
2.3
2.7
2.1
2.5
+5%
2.6
2.4
2.4
2.2
NPL, Gross Movement YTD (SARbn)
2.3
10
0.1
+5%
مصرف الإنماء
alinma bank
10
0.1
2.4
0.2
0.1
0.2
0.2
0.2
QoQ 3Q 21
-20%
4Q 21
+17%
1Q 22
-4%
2Q 22
-7%
3Q 22
Total NPL
4Q 21
Retail
Corporate
Total NPL
3Q 22
Retail
Corporate
+34%
+3%
NPL Composition (SARbn)
92%
NPL Ratio (%)
3.00%
2.27%
2.50%
8%
2.01%
1.90%
1.75%
1.67%
2.00%
Retail
1.50%
1.00%
2.4
Corporate
0.50%
0.00%
3Q 21
4Q 21
1Q 22
2Q 22
3Q 22
3Q 2022 INVESTOR PRESENTATION
Management Commentary
■ NPL ratio decreased by 8bps to 1.67% during 9M
2022, and improved 60bps YoY.
■ Retail financing, which account for the smaller
proportion of NPLs, increased by 34%, while
corporate NPLs increased by 3% YTD.
■ The NPL ratio for retail stood at 0.6% while
corporate stood at 2.0% as at 3Q 2022.
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